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Smart Credit Cards for Poor Credit

 
 
 

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Smart Credit Cards for Poor Credit

We help you find low interest rates. Are you qualified? Act now and search for Smart Credit Cards that offer terrific options such as:

  • 0% APR Introductory Rates
  • Cashback Rewards
  • Travel Rewards
  • Bonuses
  • No Fee Balance Transfers

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If your new card application is approved, always keep a balance less than your credit limit and pay your bill on or before the due date. Doing this will ensure that any accounts you possess will be available for use at any time. Start now.

 


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Smart Credit Cards for Poor Credit - Learning The Possibilities

If folks have Poor Credit, how can they distinguish which Smart Credit Cards to choose when there are so many choices? The information below discusses several kinds of cards to offer a better understanding of the pros of each:

Cash Back - With a Cash Back card, customers get a refund equal to a fraction of their transactions. For instance, if somebody is approved for a Cash Back option that offers five percent cashback on supermarket, gasoline, and pharmacy purchases, as purchases increase and rewards accumulate, they can be redeemed. If you spend $150 in petro, food, and drugstore purchases weekly, by the end of a year, $390 in cash would have accumulated.

Rewards Points - In lieu of rewarding customers with cash back, some lenders offer points programs. Customers receive points every time the card is used. With each swipe of the card, the rewards increase. Once a specified number of points have accumulated they can be redeemed for all kinds of goodies including free travel, gift items, subscriptions, and more. Be sure to find out if the Smart Credit Cards for Poor Credit you apply for offers a redeemable rewards program.

Gas Bonuses - Card Issuers are often times considerate of the price of gas and want to compensate people for using their cards by offering them a prepaid gas card. As transactions are completed, points are accumulated and summarized. Once a certain number of points are earned they can be redeemed for a free prepaid gas station card. The cool thing is, with some cards redeemable fuel rewards can be accumulated while you are gassing up your vehicle.

Points Toward Free Hotel Accommodations, Car Rentals, or Frequent Traveler Miles - When purchases are made with these cards, "customers receive "" points"" toward free travel including free frequent flyer miles." After an accumulation of a certain number of points, they can be cashed in exchange for free airline tickets, hotel stays, or rental cars. These rewards work best for those who travel a lot.

0% APR Promotions - In the beginning when these credit cards are utilized, there are no finance charges that are applied. The period where no finance charges are being applied usually varies from six to twelve months. Most times, customers take advantage of this kind of card to move their balance from their current Smart Credit Cards to one of these and create a personal budget that allows them to pay the whole thing off without having to pay any finance charges. Keeping monthly payments up to date is incredibly important. When a single payment is not paid on time, generally the interest free rates go up to a much higher rate. People that are applying for Smart Credit Cards for Poor Credit, and have the opportunity to sign up for a zero percent promotion should think about this type of card.

Secured Cards - People with this type of card must put money into a secure account that accumulates interest. This "is what makes it a "" secured card"" ." Once the account is set up, a card is sent with a credit max in the opening balance of the interest bearing account that was created. As the card is used the credit limit decreases, low rate recurrent payments are computed, and payment plan is sent. If transactions are being approved, you will receive a payment plan. Secured Cards are perfect because they function the same as ordinary credit cards allowing people to do things that debit cards may not, like making travel accommodations such as vehicle rentals that commonly do not take consumer checking account cards. When applicants have bad credit approval is usually guaranteed no matter what. This is good because many secured card companies submit whether or not timely payments are made to the credit bureaus. This could be a fantastic approach to establish creditworthiness by showing timely payments whether you have Poor credit or not. After paying a certain number of payments in a row, most issuers will increase your credit limit without requiring another deposit to the initial secured account.

Pre-paid Credit Cards - With a Pre-paid card, there is no guesswork. Just like a typical bank account, a deposit is made into an account and this is the amount that can be spent. As the prepaid credit card balance reaches zero, simply put more cash into the prepaid account and your card will be ready for use once again. Reloadable prepaid cards are great as gifts, they make it so you don't have to carry cash all the time, and they help people that cannot acquire a typical checking account. Fast approval is typically not a problem regardless of your credit report and there is no need for the issuer to contact Experian, Equifax, and TransUnion.

With all of the diverse types of Smart Credit Cards for Poor credit and bonuses that exist, it is easy to identify the best solution for your situation. Consider Smart Credit Cards that give the benefits that fit your situation. Once you are approved always spend wisely and pay the bill on or before the due date. Great credit is a terrific asset.

To be certain that you keep growing the best FICO score, follow these three rules:

1. Keep your outstanding balance at no more than half of the credit max. Another way of saying it is, don't "go crazy". It is smart to keep an account that is somewhere around half of the maximum spending limit on any Smart Credit Cards for Poor Credit.

2. Make payments on or before the due date. Even if you have to make just the minimum payment that is listed on your monthly statement, that will be just fine. If you miss a payment, it could be forwarded to Experian, Equifax, and Trans Union. This is bad for your FICO profile. Not to mention when this happens you may also experience a higher interest rate as a consequence of a late payment. Thus it is recommended that consumers stay on top of the bill.

3. Pay all balances down to zero every time you can. When the balance gets to be about half of the limit, try to take a few months and pay it off as often as you can. Then once your balance is paid off it is wise to start swiping your card for purchases again and take a few months to pay the balance off again, and make this your repayment pattern. This repayment history demonstrates to the issuers that you can be creditworthy. Some other perks you could get when you repay in this way are a lower interest rate, higher credit limits, and a more favorable credit report.

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